Motorists face a triple-whammy of price increases in the next few days, as the price of petrol is forced up by two tax increases and spiralling oil costs.

Fuel duty increased by 0.76p a litre yesterday, while VAT is set to rise by 2.5% on Tuesday, adding another 2.63p to a litre of petrol and 2.73p to a litre of diesel. To add insult to injury, drivers pay VAT on the extra fuel duty.

A typical 50-litre refill has already risen by £8.12 for petrol year on year, and £9.37 for diesel, according to AA figures. And the combined tax rises will add £1.77 to a refill of petrol and £1.82 for diesel. In addition, standard insurance premium tax will rise from 5% to 6% on Tuesday, pushing up the cost of car policies by an average of £12.50, says comparison website uSwitch.com.

The tax rises add to the misery of soaring oil costs, which have caused fuel prices to jump from about 121p a litre to an average 123.98 in recent weeks, while people in rural areas are paying more than 130p a litre, according to the AA.

Luke Bosdet, a spokesman for the AA, said: "The higher-paid can probably absorb these costs, but for drivers on a lower income the freedom of the road is beginning to disappear."

The AA says car owners in some areas will also be hit by big increases in the cost of parking permits, with London local authorities in Brent and Lambeth hoping to raise an extra £1m and £750,000 respectively in 2011. Bosdet says: "The local authorities argue the extra money is necessary to fund the repair of potholes, but those living in expensive houses with drives who do not need to buy permits will not be contributing to this cost."

UK households will be worse off to the tune of £6.2bn as a result of VAT rising from 17.5% to 20%, according to market services company Acxiom. Its research found consumers will suffer a total drop in discretionary income – the amount left after fixed outgoings such as mortgage and council tax have been paid – of £2.3bn. The average UK household will be £225 a year out of pocket, with this rising to £448 for some groups.

Acxiom says that areas such as the east Midlands, Wales, the far north of Scotland, the north-west and east and parts of East Anglia, where households have low discretionary income, will be hardest hit by the VAT increase: those regions have the highest percentage of households whose finances are overstretched.

In London, the hardest hit areas will be Hillingdon, Waltham Forest, Newham, Barking and Dagenham, Bexley and Havering .

Acxiom adds: "The traditionally affluent areas of the capital such as Westminster, Kensington & Chelsea, Islington and the City of London have such a large financial cushion that they are completely unaffected."

Most food items are not subject to VAT, but Mysupermarket predicts that the increase will add £33 to the average family's annual food bill. On top of this, volatile wheat and rice prices could force food prices up further in 2011.

And uSwitch points out that home phone, broadband and TV packages are all subject to VAT: households will see these bills rise by nearly £10 a year in 2011. Mobile phone users will have to pay an average of £8.48 extra a year.

Ann Robinson, director of consumer policy at uSwitch.com, says: "Consumers can now put a value on what the VAT increase will mean for them and it's clear that the impact is going to spread far widely than just shoppers."